Visitor Medical Insurance for USA
|What is a visitor medical insurance? and what it covers?|
|Where to get it from?|
|What are the rates and coverage?|
|How does it work?|
|Period of coverage? Start date/end date?|
|How to claim?|
|Factors determining your total insurance coverage:|
|Visitor Medical Insurance Terminology|
Insurance from USA:
Medical insurance from a US based agency might be more expensive, but being recognized by a larger number of hospitals and doctors is definitely an advantage. One can receive instant coverage and instant attention during a medical emergency. There are several companies in the USA that provide medical insurance for international visitors.
Below an online source to compare and select insurance policies for buying visitors medical insurance: Online resource for Visitor Medical Insurance for USA.
Facts about various Visitor Insurance providers:
As a matter of fact, there are very few Companies that are the actual providers and the rest are their agents with different names.
Insurance from your home country:
There are several insurance companies that provide medical insurance for international travelers. These are mostly offered through the local travel agencies. For instance, the following are some of the Indian companies which provide visitor insurance for international travelers:
Though these organizations maintain web sites, the information provided is not updated as required. It is always best to call their local office and find out exact information. Plans and rates vary from company to company. A major disadvantage with these policies is that they are not accepted by many of the hospitals and doctors in the USA. Hence when you need to claim your expenses later on, you may have to deal with a lot of paper work, correspondence, and frustrating follow ups.Read more: Visitor Insurance from India vs. USA
The insurance company provides you with an ID card, or a document stating your policy number and related details like your name/birth date. If, while you are on your trip, you have to visit a doctor, they will verify the acceptance of your insurance policy. If your policy is accepted, you are instantly attended. You may be asked to pay the minimum fee known as "deductible" before the insurance begins to pay for covered benefits. The amount/percentage depends on your policy agreement and terms.
On the other hand, if they don't accept the policy, you might have to pay for the entire cost of the medical expenses at the time of visit before seeing the doctor. In this case, you would later have to file claims to get paid for the covered benefits from insurance.
Exclusions: These can be defined as the expense that the insurance company/plan is not liable to pay. Example: expenses resulting from illegal drug use, conditions which existed prior to the purchase of the insurance (pre-existing conditions), participation in various dangerous activities. Read coverage carefully for exclusions in your plan.
Co-Insurance: The percentage or amount of eligible expenses that the insured pays after the deductible.
Example: "Co-Insurance = 20% or co-pay is 80/20" means that the insurance company pays 80% of the charges, the insured pays 20%. Often in many plans there is a maximum co-pay amount, i.e., a limit which the insurance provider pays 100%. Example: "Deductible = $250 and 80/20 co-pay up to $5000, then 100% up to policy maximum." This means the insured is required to pay the deductible of $250 plus 20% of expenses up to $5,000, and the insurance provider pays 100% of covered expenses that exceed $5000 up to the maximum policy coverage limit
Premium: The amount you pay to purchase medical insurance policy. Premiums may be paid full in advance or monthly or depending on the policy.
Beneficiary: The person or persons designated by the insured to receive the proceeds of an insurance policy upon the death of the insured.
Policy Maximum: The maximum amount of money that the insurance provider will pay for covered expenses. This may be an overall maximum or an amount for each illness/accident.
Renewable or non Renewable: This feature (Renewable) tells the consumer whether the particular plan can be renewed before expiration to continue coverage after originally planned end coverage date with the same terms and limitations
Whether a policy is renewable or not can be of great significance because if an accident/illness occurred before policies expiration, it will not be considered a pre-existing condition, whereas a new policy would consider it as a pre-existing condition. So, if you extend your stay and the policy is renewable, you can simply renew your current policy instead of purchasing a new one
Does it really matter to buy insurance from an US based insurance company?
Yes, convenience, instant reachable customer support, insurance acceptance, the peace of mind and hassle free claim is certainly present when you buy policies from US based insurance companies.
Insurance products and services are provided by Maxn Insurance Services(CA,License #OF17045). For all inquiries about Visitors Insurance Services, contact : 866-384-9104.
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